{"id":42206,"date":"2026-08-14T14:00:01","date_gmt":"2026-08-14T08:30:01","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=42206"},"modified":"2026-08-14T08:56:40","modified_gmt":"2026-08-14T03:26:40","slug":"how-do-i-choose-the-right-insurance-policy-for-my-needs-and-budget-2","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/how-do-i-choose-the-right-insurance-policy-for-my-needs-and-budget-2\/","title":{"rendered":"How do I choose the right insurance policy for my needs and budget?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/how-do-i-choose-the-right-insurance-policy-for-my-needs-and-budget-2\/#start_with_the_purpose_what_is_being_protected\" >start with the purpose. what is being protected<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/how-do-i-choose-the-right-insurance-policy-for-my-needs-and-budget-2\/#compare_policies_premium_is_not_the_only_factor\" >compare policies. premium is not the only factor<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/how-do-i-choose-the-right-insurance-policy-for-my-needs-and-budget-2\/#what_to_check_beyond_the_premium\" >what to check beyond the premium<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/how-do-i-choose-the-right-insurance-policy-for-my-needs-and-budget-2\/#calculate_the_sum_assured\" >calculate the sum assured<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/how-do-i-choose-the-right-insurance-policy-for-my-needs-and-budget-2\/#what_to_avoid\" >what to avoid<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/how-do-i-choose-the-right-insurance-policy-for-my-needs-and-budget-2\/#frequently_asked_questions\" >frequently asked questions<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">choosing an insurance policy is not just about the premium. it involves checking coverage, insurer credibility, customer service, and long-term financial implications. a decision made without looking at all these factors can leave a family underinsured or paying for features that are not needed.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"start_with_the_purpose_what_is_being_protected\"><\/span><strong><span class=\"\">start with the purpose. what is being protected<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">insurance products are specialised tools for specific scenarios. the first question is not which policy is cheaper. it is what risk needs to be covered.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">term insurance.<\/span><\/strong><span class=\"\">\u00a0pays a lump sum if the policyholder dies during the policy term. the nominee receives the money. the purpose is to replace income. if the policyholder survives the term, there is no payout. the return of premium variant is an exception. but pure term insurance is not a savings plan.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">health insurance.<\/span><\/strong><span class=\"\">\u00a0pays for medical expenses. hospital bills. doctor consultations. diagnostic tests. treatments. it covers illness, accident, or hospitalisation. cashless treatment is available at network hospitals.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">personal accident cover.<\/span><\/strong><span class=\"\">\u00a0provides a lump sum for permanent disability from an accident. it often includes a weekly income benefit if the policyholder is temporarily bedridden. it does not replace health insurance. it does not pay hospital bills. it pays a lump sum for the impact of the accident.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">critical illness cover.<\/span><\/strong><span class=\"\">\u00a0pays a lump sum upon diagnosis of a life-threatening disease like cancer, kidney failure, or stroke. it is not a mediclaim. a mediclaim pays for hospital room and medicines. a critical illness plan gives a cheque to use however needed.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">combining term insurance and health insurance is necessary. term insurance protects the family when the policyholder is not around. health insurance protects the policyholder during a medical emergency. neither replaces the other.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"compare_policies_premium_is_not_the_only_factor\"><\/span><strong><span class=\"\">compare policies. premium is not the only factor<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">premiums vary widely across insurers. buyers who compare health plans pay at least 20% less on average. motor buyers can save 15-20%. term insurance buyers can cut first-year premiums by nearly 30%.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">but comparison behaviour is increasing. nearly 75% of health buyers now compare at least three plans. just over 40% of term buyers compare three or more plans, up from 32% in 2023.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">examples of price variation.<\/span><\/strong><span class=\"\">\u00a0a \u20b910 lakh family floater in delhi can cost between \u20b9773 and \u20b92,426 per month. a 30-year-old non-smoker seeking \u20b91 crore term cover can get quotes ranging from \u20b9635 to \u20b9958 per month. lower premiums may come with trade-offs like a smaller hospital network, deductibles, or fewer benefits.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"what_to_check_beyond_the_premium\"><\/span><strong><span class=\"\">what to check beyond the premium<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">claim settlement ratio (csr).<\/span><\/strong><span class=\"\">\u00a0the percentage of claims approved. the industry&#8217;s four-year average is 98.66%. a four-year average above 99% is preferable. but csr alone does not tell the full story.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">claim amount settlement ratio (casr).<\/span><\/strong><span class=\"\">\u00a0csr tells how many claims get approved. casr tells how much money actually gets paid. a company with 99% csr but 80% asr means families receive only 80% of the sum assured on average. look for both a high csr and a healthy casr.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">solvency ratio.<\/span><\/strong><span class=\"\">\u00a0the ratio of available assets to liabilities. irdai mandates a minimum of 1.5. a ratio above 1.80 provides a meaningful buffer and indicates financial strength to weather adverse conditions.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">customer experience.<\/span><\/strong><span class=\"\">\u00a0csr alone does not reflect customer experience. check net promoter scores, independent reviews, grievance redressal mechanisms, and the company&#8217;s responsiveness during actual interactions.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">coverage and exclusions.<\/span><\/strong><span class=\"\">\u00a0every policy has exclusions. term insurance excludes certain causes of death. health insurance excludes pre-existing conditions for a waiting period, cosmetic treatments, and self-inflicted damage. reviewing exclusions before purchase prevents claim disputes later.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">free-look period.<\/span><\/strong><span class=\"\">\u00a0the free-look period allows new policyholders to review the policy terms and cancel if not acceptable. the period is at least 15 days (30 days for electronic policies). if cancelled, the policyholder is entitled to a refund after deductions.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"calculate_the_sum_assured\"><\/span><strong><span class=\"\">calculate the sum assured<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the coverage amount should not be a guess. the old rule of thumb\u201410 times annual income\u2014is now considered the absolute floor. a more robust approach is the income replacement method. if the annual income is \u20b912 lakh and the remaining working years are 25, the family would lose \u20b93 crore in potential earnings. adjusted for inflation, a cover of 15 to 20 times annual income is the modern benchmark.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">outstanding liabilities like home loan and car loan should be added to this sum assured. factors like age, income, lifestyle, and future financial goals also influence the right sum assured.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"what_to_avoid\"><\/span><strong><span class=\"\">what to avoid<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">bundled products.<\/span><\/strong><span class=\"\">\u00a0agents often push unit-linked insurance plans or endowment plans as &#8220;investment + insurance.&#8221; these typically offer a low sum assured (usually only 10 times the premium) and high commissions. for a young earner, these are a poor fit. buying a cheap term plan and investing the rest in mutual funds is more effective.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">hiding information.<\/span><\/strong><span class=\"\">\u00a0false or misleading information on the proposal form can lead to claim disputes. disclosure of smoking, diabetes, previous surgeries, and existing illnesses is necessary.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">ignoring the free-look period.<\/span><\/strong><span class=\"\">\u00a0life insurance policies can be cancelled within 15 days (30 days for electronic policies) of receiving the policy bond if the terms do not match the agreement.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">underinsuring.<\/span><\/strong><span class=\"\">\u00a0buying a lower cover to save on premium is a common mistake. the marginal premium cost for an extra \u20b950 lakh of cover is small. inflation erodes cover over time. buy as much as the budget allows.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"frequently_asked_questions\"><\/span><strong><span class=\"\">frequently asked questions<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">1. how much term insurance cover is enough ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">a minimum of 15-20 times annual income, plus outstanding liabilities. the income replacement method provides a more accurate estimate. the old rule of 10 times annual income is now the absolute floor.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">2. is a \u20b910 lakh health insurance policy sufficient ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">it may be a practical base, but medical inflation in india is 14-15% annually. for older adults in metros, \u20b915-25 lakh coverage may be more appropriate.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">3. what is the difference between term insurance and health insurance ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">term insurance pays a lump sum to the family if the policyholder dies. health insurance covers medical expenses during hospitalisation. neither replaces the other.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">4. what is the free-look period in insurance ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">a period during which the policyholder can cancel the policy if the terms do not match the agreement. 15 days for policies bought offline. 30 days for policies bought online. the finance minister has also urged insurers to extend this period to one year.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><strong><span class=\"\">5. what is the claim amount settlement ratio ?<\/span><\/strong><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">the percentage of the claimed amount that actually gets paid. a company with 99% claim settlement ratio but 80% claim amount settlement ratio means families receive only 80% of the sum assured on average. both ratios should be checked before buying.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>choosing an insurance policy is not just about the premium. it involves checking coverage, insurer credibility, customer service, and long-term financial implications. a decision made without looking at all these factors can leave a family underinsured or paying for features that are not needed. start with the purpose. what is being protected insurance products are [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/how-do-i-choose-the-right-insurance-policy-for-my-needs-and-budget-2\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":41,"featured_media":42207,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[112],"tags":[],"class_list":["post-42206","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - 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